Spinwheel Liabilities & Debt API

openapi: 3.0.1
info:
  title: Spinwheel Embedded Debt Solutions API
  description: >-
    Spinwheel's embedded credit and debt API. Connect a consumer, pull an
    Equifax-backed debt profile, refresh real-time liability balances and payoff
    quotes across credit cards and loans, originate bank-account-funded payments,
    and subscribe to webhook events. Most resources are scoped to a connected
    user identified by userId, the unique key used for accessing most Spinwheel
    APIs. Authentication uses a Spinwheel secret API key issued from the developer
    portal; the exact header scheme is gated behind the developer login and is
    not reconciled here - it is modeled as an HTTP bearer secret key.
  termsOfService: https://spinwheel.io/terms
  contact:
    name: Spinwheel Support
    url: https://docs.spinwheel.io
  version: '1.0'
servers:
  - url: https://api.spinwheel.io
    description: Production
  - url: https://sandbox-api.spinwheel.io
    description: Sandbox
  - url: https://secure-api.spinwheel.io
    description: Production (secure)
  - url: https://secure-sandbox-api.spinwheel.io
    description: Sandbox (secure)
security:
  - bearerAuth: []
tags:
  - name: Users
    description: Connect and manage users via SMS, KBA, phone, profile, or network token.
  - name: Credit Data
    description: Order and retrieve Equifax-backed debt profiles and credit reports.
  - name: Liabilities
    description: Request, poll, and update liability data and refresh subscriptions.
  - name: Payments
    description: Manage payment requests, payers, and transactions.
  - name: Bank Accounts
    description: Add and manage user bank accounts.
  - name: Webhooks
    description: Register and manage webhook endpoints.
  - name: Reference
    description: Constants and vehicle reference data.
paths:
  /v1/users/{userId}:
    get:
      operationId: getUser
      tags: [Users]
      summary: Retrieve a user
      parameters:
        - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: User retrieved.
    delete:
      operationId: deleteUser
      tags: [Users]
      summary: Delete a user
      parameters:
        - $ref: '#/components/parameters/UserId'
      responses:
        '204':
          description: User deleted.
  /v1/users/connect/sms:
    post:
      operationId: connectUserSms
      tags: [Users]
      summary: Connect a user via SMS
      description: Submits a US phone number and date of birth to send a one-time passcode by SMS.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                phone:
                  type: string
                dateOfBirth:
                  type: string
                  format: date
      responses:
        '200':
          description: SMS connection initiated.
  /v1/users/connect/sms/verify:
    post:
      operationId: verifySmsConnection
      tags: [Users]
      summary: Verify an SMS connection
      description: Verifies the one-time passcode delivered by SMS to complete the connection.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              properties:
                token:
                  type: string
                code:
                  type: string
      responses:
        '200':
          description: SMS connection verified.
  /v1/users/connect/kba:
    post:
      operationId: connectUserKba
      tags: [Users]
      summary: Connect a user via KBA
      description: Submits user PII to begin knowledge-based authentication.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
      responses:
        '200':
          description: KBA questions returned.
  /v1/users/connect/kba/verify:
    post:
      operationId: verifyKbaAnswers
      tags: [Users]
      summary: Submit answers for KBA
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
      responses:
        '200':
          description: KBA answers verified.
  /v1/users/connect/phone:
    post:
      operationId: connectUserPhone
      tags: [Users]
      summary: Connect a pre-verified (phone) user
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
      responses:
        '200':
          description: User connected.
  /v1/users/connect/network-token:
    post:
      operationId: connectUserNetworkToken
      tags: [Users]
      summary: Connect a user via network token
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
      responses:
        '200':
          description: User connected.
  /v1/users/{userId}/debt-profile:
    post:
      operationId: requestDebtProfile
      tags: [Credit Data]
      summary: Request a debt profile
      parameters:
        - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Debt profile requested.
  /v1/users/{userId}/creditProfile/equifax:
    post:
      operationId: orderEquifaxReport
      tags: [Credit Data]
      summary: Get a debt profile (Equifax)
      description: Orders an Equifax credit report for a connected user.
      parameters:
        - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Equifax debt profile ordered.
  /v1/users/{userId}/creditProfile/equifax/subscriptions:
    post:
      operationId: subscribeDebtProfileRefresh
      tags: [Liabilities]
      summary: Subscribe to debt profile refresh
      parameters:
        - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Subscription created.
    get:
      operationId: getRefreshSubscriptions
      tags: [Liabilities]
      summary: Get refresh subscriptions
      parameters:
        - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Subscriptions returned.
    delete:
      operationId: deleteRefreshSubscriptions
      tags: [Liabilities]
      summary: Delete refresh subscriptions
      parameters:
        - $ref: '#/components/parameters/UserId'
      responses:
        '204':
          description: Subscription deleted.
  /v1/users/{userId}/liabilities/refresh:
    post:
      operationId: requestLiabilityData
      tags: [Liabilities]
      summary: Request liability data
      description: Requests a real-time refresh of liability balances, rates, and payoff quotes.
      parameters:
        - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Refresh requested.
  /v1/users/{userId}/liabilities/refresh/{extRequestId}:
    get:
      operationId: pollLiabilityRefreshStatus
      tags: [Liabilities]
      summary: Poll request status
      parameters:
        - $ref: '#/components/parameters/UserId'
        - name: extRequestId
          in: path
          required: true
          schema:
            type: string
      responses:
        '200':
          description: Refresh status returned.
  /v1/users/{userId}/liabilities/creditcard/{liabilityId}:
    patch:
      operationId: updateCreditCard
      tags: [Liabilities]
      summary: Update a credit card
      parameters:
        - $ref: '#/components/parameters/UserId'
        - $ref: '#/components/parameters/LiabilityId'
      responses:
        '200':
          description: Credit card updated.
  /v1/users/{userId}/liabilities/studentloan/{liabilityId}:
    patch:
      operationId: updateStudentLoan
      tags: [Liabilities]
      summary: Update a student loan
      parameters:
        - $ref: '#/components/parameters/UserId'
        - $ref: '#/components/parameters/LiabilityId'
      responses:
        '200':
          description: Student loan updated.
  /v1/users/{userId}/bank-accounts:
    post:
      operationId: addBankAccount
      tags: [Bank Accounts]
      summary: Add a bank account
      parameters:
        - $ref: '#/components/parameters/UserId'
      responses:
        '200':
          description: Bank account added.
  /v1/users/{userId}/bank-accounts/{accountId}:
    patch:
      operationId: updateBankAccount
      tags: [Bank Accounts]
      summary: Update a bank account
      parameters:
        - $ref: '#/components/parameters/UserId'
        - $ref: '#/components/parameters/AccountId'
      responses:
        '200':
          description: Bank account updated.
    delete:
      operationId: deleteBankAccount
      tags: [Bank Accounts]
      summary: Delete a bank account
      parameters:
        - $ref: '#/components/parameters/UserId'
        - $ref: '#/components/parameters/AccountId'
      responses:
        '204':
          description: Bank account deleted.
  /v1/payments/requests:
    post:
      operationId: createPayment
      tags: [Payments]
      summary: Create a payment
      responses:
        '200':
          description: Payment created.
    get:
      operationId: listPayments
      tags: [Payments]
      summary: Get a list of payments
      responses:
        '200':
          description: Payments returned.
  /v1/payments/requests/{requestId}:
    get:
      operationId: getPayment
      tags: [Payments]
      summary: Get single payment details
      parameters:
        - $ref: '#/components/parameters/RequestId'
      responses:
        '200':
          description: Payment returned.
    delete:
      operationId: deletePayment
      tags: [Payments]
      summary: Delete a payment
      parameters:
        - $ref: '#/components/parameters/RequestId'
      responses:
        '204':
          description: Payment deleted.
  /v1/payments/payers:
    post:
      operationId: createPayer
      tags: [Payments]
      summary: Create a partner payer
      responses:
        '200':
          description: Payer created.
    get:
      operationId: listPayers
      tags: [Payments]
      summary: Get a list of payers
      responses:
        '200':
          description: Payers returned.
  /v1/payments/payers/{payerId}:
    get:
      operationId: getPayer
      tags: [Payments]
      summary: Get single payer details
      parameters:
        - $ref: '#/components/parameters/PayerId'
      responses:
        '200':
          description: Payer returned.
    delete:
      operationId: deletePayer
      tags: [Payments]
      summary: Delete a payer
      parameters:
        - $ref: '#/components/parameters/PayerId'
      responses:
        '204':
          description: Payer deleted.
  /v1/webhooks:
    post:
      operationId: createWebhook
      tags: [Webhooks]
      summary: Create a webhook
      responses:
        '200':
          description: Webhook created.
    get:
      operationId: listWebhooks
      tags: [Webhooks]
      summary: Get a list of webhooks
      responses:
        '200':
          description: Webhooks returned.
  /v1/webhooks/{webhookId}:
    get:
      operationId: getWebhook
      tags: [Webhooks]
      summary: Get single webhook details
      parameters:
        - $ref: '#/components/parameters/WebhookId'
      responses:
        '200':
          description: Webhook returned.
    patch:
      operationId: updateWebhook
      tags: [Webhooks]
      summary: Update a webhook
      parameters:
        - $ref: '#/components/parameters/WebhookId'
      responses:
        '200':
          description: Webhook updated.
    delete:
      operationId: deleteWebhook
      tags: [Webhooks]
      summary: Delete a webhook
      parameters:
        - $ref: '#/components/parameters/WebhookId'
      responses:
        '204':
          description: Webhook deleted.
  /v1/constants:
    get:
      operationId: listConstants
      tags: [Reference]
      summary: Get a list of constants
      responses:
        '200':
          description: Constants returned.
  /v1/vehicles/makes:
    get:
      operationId: listVehicleMakes
      tags: [Reference]
      summary: Get a list of makes
      responses:
        '200':
          description: Makes returned.
  /v1/vehicles/models:
    get:
      operationId: listVehicleModels
      tags: [Reference]
      summary: Get a list of models
      responses:
        '200':
          description: Models returned.
components:
  parameters:
    UserId:
      name: userId
      in: path
      required: true
      description: The unique key used for accessing most Spinwheel APIs.
      schema:
        type: string
    LiabilityId:
      name: liabilityId
      in: path
      required: true
      schema:
        type: string
    AccountId:
      name: accountId
      in: path
      required: true
      schema:
        type: string
    RequestId:
      name: requestId
      in: path
      required: true
      schema:
        type: string
    PayerId:
      name: payerId
      in: path
      required: true
      schema:
        type: string
    WebhookId:
      name: webhookId
      in: path
      required: true
      schema:
        type: string
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: >-
        Spinwheel secret API key issued from the developer portal
        (https://developer.spinwheel.io). The exact transport header is gated
        behind the developer login and not reconciled here.